money transfer services, electronic funds transfer services, electronic remote direct deposit of funds into individual bank accounts, currency exchange services, electronic payment services for personal banking in the nature of electronic funds transfer and clearing and reconciliation of financial transactions via a global computer network in the nature of financial clearinghouses, payment services in the nature of web-based money transfers provided by means of a global computer network, and payment services in the nature of web-based international money transfers provided by means of mobile applications and mobile devices; online banking services accessible by means of downloadable mobile applications